Fort Walton Beach, FL Used Cars Under $40,000 |with Payments|

2022 BMW X5 xDrive40i

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This low mileage second hand 2022 BMW X5 xDrive40i AWD SUV under 48,000 miles, automatic transmission, and 24 MPG, 3.0L hybrid engine is for sale right now under $40K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,309
Est. Payment:	$758.76 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	48,206
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,309.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,358.31
Avg. DMV Fee	363.00
Cash Sale Price	$44,342.31
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,342.31
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$758.76

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,309.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 72 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2026 BMW 2 Series 228 Gran Coupe

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This low mileage certified used 2026 BMW 2 Series 228 Gran Coupe FWD sedan below 16,000 miles, transmission, and 24 MPG, 2.0L gas engine is for sale right now under $38K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$37,094
Est. Payment:	$716.69 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,871
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$37,094.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,114.66
Avg. DMV Fee	363.00
Cash Sale Price	$41,883.66
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,883.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$716.69

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,094.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 BMW 5 Series 540i

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This average mileage used 2023 BMW 5 Series 540i RWD sedan under 71,000 miles, automatic transmission, and 24 MPG, 3.0L hybrid engine is for sale right now below $38K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$37,321
Est. Payment:	$914.45 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	70,988
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$37,321.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,139.63
Avg. DMV Fee	363.00
Cash Sale Price	$42,135.63
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$42,135.63
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Finance Payment	$914.45

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,321.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 54 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 Ford F-150 XLT

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This low mileage preowned 2025 Ford F-150 XLT 4x4 pickup below 26,000 miles, automatic transmission, and 24 MPG, 2.7L gas engine is for sale right now below $40K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,138
Est. Payment:	$755.52 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,302
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,138.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,339.50
Avg. DMV Fee	363.00
Cash Sale Price	$44,152.50
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,152.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$755.52

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,138.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2022 BMW 5 Series M550i xDrive

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This average mileage preowned 2022 BMW 5 Series M550i xDrive AWD sedan under 73,000 miles, automatic transmission, and 24 MPG, 4.4L gas engine is for sale right now under $40K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,991
Est. Payment:	$978.77 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	73,259
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,991.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,433.33
Avg. DMV Fee	363.00
Cash Sale Price	$45,099.33
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,099.33
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$978.77

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,991.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 54 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2024 Cadillac XT4 Sport

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This low mileage used 2024 Cadillac XT4 Sport 4x4 SUV below 19,000 miles, automatic transmission, and 24 MPG, 2.0L gas engine is for sale right now under $38K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$37,849
Est. Payment:	$731.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,408
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$37,849.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,197.71
Avg. DMV Fee	363.00
Cash Sale Price	$42,721.71
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$42,721.71
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$731.03

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,849.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Finance Interest rate of 7.13% APR and 72 month auto finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2022 Jeep Wagoneer Series III

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This low mileage second hand 2022 Jeep Wagoneer Series III 4x4 SUV under 42,000 miles, automatic transmission, and 24 MPG, 5.7L hybrid engine is for sale right now below $40K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,997
Est. Payment:	$771.83 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,854
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,997.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,433.99
Avg. DMV Fee	363.00
Cash Sale Price	$45,105.99
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,105.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$771.83

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,997.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Finance Interest rate of 7.13% APR and 72 month auto finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2024 Hyundai PALISADE Calligraphy

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This low mileage used 2024 Hyundai PALISADE Calligraphy AWD SUV below 47,000 miles, automatic transmission, and 24 MPG, 3.8L gas engine is for sale right now below $39K at Hampton Hyundai in Fort Walton Beach, FL. ...View More Details

Sales Price:	$38,800
Est. Payment:	$749.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	46,791
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$38,800.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,302.32
Avg. DMV Fee	363.00
Cash Sale Price	$43,777.32
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$43,777.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$749.10

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,800.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Ford Bronco Base

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This low mileage second hand 2023 Ford Bronco Base 4x4 SUV under 43,000 miles, automatic transmission, and 24 MPG, 2.3L gas engine is for sale right now below $40K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,998
Est. Payment:	$771.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,837
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,998.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,434.10
Avg. DMV Fee	363.00
Cash Sale Price	$45,107.10
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,107.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$771.85

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,998.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 72 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 Ford Ranger XLT

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This low mileage second hand 2025 Ford Ranger XLT RWD pickup below 7,000 miles, automatic transmission, and 24 MPG, 2.3L gas engine is for sale right now below $37K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$36,988
Est. Payment:	$714.68 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,883
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$36,988.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,103.00
Avg. DMV Fee	363.00
Cash Sale Price	$41,766.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,766.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$714.68

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,988.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

Used Cars under $40,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Vehicles Priced Below $40,000

2022 BMW X5 xDrive40i

2026 BMW 2 Series 228 Gran Coupe

2023 BMW 5 Series 540i

2025 Ford F-150 XLT

2022 BMW 5 Series M550i xDrive

2024 Cadillac XT4 Sport

2022 Jeep Wagoneer Series III

2024 Hyundai PALISADE Calligraphy

2023 Ford Bronco Base

2025 Ford Ranger XLT

Used Cars under $40,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Vehicles Priced Below $40,000

2022 BMW X5 xDrive40i

BMW X5 xDrive40i

2022 BMW X5 xDrive40i Car Loan Estimate

2026 BMW 2 Series 228 Gran Coupe

BMW 2 Series 228 Gran Coupe

2026 BMW 2 Series 228 Gran Coupe Car Loan Estimate

2023 BMW 5 Series 540i

BMW 5 Series 540i

2023 BMW 5 Series 540i Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2022 BMW 5 Series M550i xDrive

BMW 5 Series M550i xDrive

2022 BMW 5 Series M550i xDrive Car Loan Estimate

2024 Cadillac XT4 Sport

Cadillac XT4 Sport

2024 Cadillac XT4 Sport Car Loan Estimate

2022 Jeep Wagoneer Series III

Jeep Wagoneer Series III

2022 Jeep Wagoneer Series III Car Loan Estimate

2024 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2024 Hyundai PALISADE Calligraphy Car Loan Estimate

2023 Ford Bronco Base

Ford Bronco Base

2023 Ford Bronco Base Car Loan Estimate

2025 Ford Ranger XLT

Ford Ranger XLT

2025 Ford Ranger XLT Car Loan Estimate

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